If you’re like most folks, you probably use credit cards. Maybe you’re working on paying them off, or maybe you’re like a lot of people and use them for points.

Getting rewarded for spending money you were going to use anyway? Sounds like a great thing, right? Just switch the card you pull out of your wallet and there you are. Points! As long as you pay off the cards at the end of the month, you don’t pay interest, and then you get all these magic points. Win-win, am I right?